Search found 318 matches

by Bruce
Thu Jan 18, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 119
Views: 5439

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

Not sure why WCI is taking any heat from forum members here. He is very transparent about his conflicts of interest and the progress of his WCI website, newsletter and blog, or as he calls it the "White Coat Investor Empire!" No one was slamming Rick Ferri or Bill Bernstein for offering investment i...
by Bruce
Sat Dec 30, 2017 1:33 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 710
Views: 35178

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

Happy New Year Taylor, Thanks once again for sharing the "Nuts" Christmas message from Bastogne! I was lucky enough to win this years Boglehead's SP 500 closing price contest. Since last year I finished #365 from the top, it just shows that saying about "even a blind pig finds an acorn once in a whi...
by Bruce
Mon Dec 18, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 85
Views: 4852

Re: How do Bogleheads save on eyeglasses?

Costco optical
by Bruce
Mon Dec 18, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: FSA & funding question
Replies: 9
Views: 784

Re: FSA & funding question

Congratulations on the new baby coming soon! Suggest your go for it with the FSA. It all depends on how good your other insurance is, but even with very good double coverage I HAVE NEVER had a carryover on my FSA account, and find it a good way to leverage spending power of my health care dollars at...
by Bruce
Mon Dec 11, 2017 9:45 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 6776

Re: Snow Tires? Worth it?

If the superior traction and control provided by snow tires in bad driving conditions saves you one accident, they are well worth the extra expense. You and your family are simply safer in a car equipped for the conditions you are driving in. All wheel Drive does not help you stop or turn when the r...
by Bruce
Sat Dec 09, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 49
Views: 6913

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

I downloaded mine.

No cd required.
by Bruce
Sat Dec 09, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: GPS tracker for loved one w Alzheimer’s
Replies: 21
Views: 1291

Re: GPS tracker for loved one w Alzheimer’s

https://projectlifesaver.org/get-involv ... loved-one/

If project lifesaver is available in your area, our local police volunteer search team has great results with it.
by Bruce
Sat Dec 09, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 49
Views: 6913

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

They did discontinue it at Vanguard several years ago. Used to be a flagship free benefit once upon a time. No expectation it will ever be back. Have only seen a modest discount through fidelity, and never any free offer; though some report they have gotten a targeted free offer from fidelity based ...
by Bruce
Sat Dec 09, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Best FEDVIP dental insurance for braces/orthodontics
Replies: 7
Views: 514

Re: Best FEDVIP dental insurance for braces/orthodontics

Waiting period before the ortho coverage begins, and which orthodontist you want to use and their plan participation would be key decision factors for me, In addition to the factors you are looking at. The billing office at your orthodontist of choice should be able to tell you down to the dollar wh...
by Bruce
Sat Dec 09, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 49
Views: 6913

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

Re premium vs deluxe At this price, and with your need for some of the "extra" forms related to self employment and rental property, suggest you spend the extra $10 for the premium. Deluxe has all those blank forms you mentioned, and you could still do your return using the deluxe product; but then ...
by Bruce
Sat Dec 09, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 49
Views: 6913

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

That is a great deal, lowest price I have seen on that product ever, especially being able to buy it straight from the H&R Block website.

Thanks for pointing it out!

Made the switch from turbo tax to HR block several years ago and am a satisfied customer of the H&R Block product.

regards
by Bruce
Mon Dec 04, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason to keep my Life Insurance (FEGLI)?
Replies: 17
Views: 1240

Re: Any reason to keep my Life Insurance (FEGLI)?

You may not have an insurable need at all, and If you are in good health and otherwise insurable, FEGLI may not be that great a deal compared to alternatives on the term insurance market. But when you are comparison shopping, make sure you are comparing the correct amounts. FEGLI basic automatically...
by Bruce
Tue Oct 03, 2017 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: Should I max out my Roth IRA as an 18 year old?
Replies: 15
Views: 966

Re: Should I max out my Roth IRA as an 18 year old?

Yes If you can afford to contribute the maximum to a Roth IRA at a young age you will be off to a solid foundation of good habits investing for the future. The target fund you selected is a good choice to get started. Pay yourself first, and follow William Bernsteins advice in his book "If you can",...
by Bruce
Tue May 30, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: Honda mulching mower clumping
Replies: 15
Views: 1407

Re: Honda mulching mower clumping

Sharpen or replace the blade
Or change the height so you are cutting less grass and see if the problem goes away.
by Bruce
Tue May 30, 2017 6:20 am
Forum: Investing - Help with Personal Investments
Topic: What happens after you max out your Roth IRA Limit?
Replies: 6
Views: 1600

Re: What happens after you max out your Roth IRA Limit?

There is some missing information here before you can get good advice. I suggest you open a taxable account and save enough in that so in January of next year you can max out your Roth IRA contributions for that calendar year. Investing in a taxable account may be better for you in the long run, the...
by Bruce
Fri Apr 28, 2017 9:22 am
Forum: Investing - Theory, News & General
Topic: Roth IRA's and excess cash...
Replies: 4
Views: 504

Re: Roth IRA's and excess cash...

Max out those contributions as early in the year as possible, and then build up enough cash so you can do it again January 1 of the next year.

Regards
by Bruce
Fri Apr 14, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: iPhone SE on sale at Consumer Cellular for $200
Replies: 4
Views: 1151

Re: iPhone SE on sale at Consumer Cellular for $200

in the terms and conditions document looks like you need to have paid for their service for six months to have them provide a free unlock code or if less then six months of service they charge an unspecified unlock fee, even with a fully paid phone, in the terms and conditions it looks like cancella...
by Bruce
Fri Feb 10, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: BRK Annual Shareholder Meeting- is it worth going?
Replies: 20
Views: 2547

Re: BRK Annual Shareholder Meeting- is it worth going?

Attended the event years back, when it was smaller. For me the best part was leaving the crowded meeting at the lunch break, and going out to the airfield and touring the Netjets aircraft on display to see how the the private jet set travels. There are some discounts at several Berkshire owned busin...
by Bruce
Mon Feb 06, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software on Sale At Amazon Today
Replies: 3
Views: 823

Re: H&R Block Tax Software on Sale At Amazon Today

That is a good deal!

Thanks for pointing it out.
by Bruce
Fri Feb 03, 2017 7:15 am
Forum: Investing - Theory, News & General
Topic: Just watched Warren Buffett's new HBO Documentary
Replies: 50
Views: 7737

Re: Just watched Warren Buffett's new HBO Documentary

Very well done documentary.

Enjoyed the time spent watching it, and would have missed it but for reading the postings here.

The wisdom freely shared in the Berkshire annual reports is also well worth the time spent reading them, including the advice to buy an index fund.

Regards,
Bruce
by Bruce
Wed Jan 18, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 259
Views: 32887

Re: Good Modern Science Fiction

Just finished reading and enjoyed, The Privateer Tales (an 11 Book Series to date) by Jamie McFarlane. Rookie Privateer (Privateer Tales Book 1) is a free download at the Kindle store. I enjoyed the book and quickly moved on to another and another in the set. The story line in the early books compar...
by Bruce
Tue Nov 29, 2016 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord for first time - tips and things to know?
Replies: 42
Views: 4813

Re: Landlord for first time - tips and things to know?

Get this book and keep it handy! Landlording: A Handymanual for Scrupulous Landlords and Landladies Who Do It Themselves by Leigh Robinson Best advice I can offer is read that book and use the wisdom it contains. Has some great ideas on incentivizing your tenants to pay early and stay current with t...
by Bruce
Tue Nov 22, 2016 1:33 pm
Forum: Personal Consumer Issues
Topic: Looking for Black Friday tax software deals (HRBlock)
Replies: 17
Views: 2122

Re: Looking for Black Friday tax software deals (HRBlock)

Not sure "Black Friday" is the best day to shop for this product. Just today bought HR Block 2016 Deluxe Federal return only software direct from the HR Block online store for $19.95 after getting a targeted email from HR Block (I surmise from using their software last year). Software already downlo...
by Bruce
Fri Nov 11, 2016 12:28 pm
Forum: Investing - Theory, News & General
Topic: FERS TSP contribution percentage: How to
Replies: 5
Views: 646

Re: FERS TSP contribution percentage: How to

Yes, you can contribute up to $18,000 per year into TSP. It is a great way to save. Make sure you do not hit that cap early in the year, or you risk losing out on your employer match for the remaining pay periods. One way is set your biweekly contribution amount to $693 and let it run, the last cont...
by Bruce
Sat Nov 05, 2016 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Decisions
Replies: 36
Views: 6244

Re: Pension Decisions

One consideration I have not seen mentioned yet is a simple break even analysis. Here is one easy to use calculator at https://www.calcxml.com/calculators/lump-sum-or-payments If you assume a growth rate in the lump sum of whatever percent, how many years does it take before the annuity option is a ...
by Bruce
Fri Aug 26, 2016 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: FERS retirement: Final taxes and TSP
Replies: 51
Views: 6542

Re: FERS retirement: Final taxes and TSP

Victoria,

Was just reading this helpful post, and am curious if you might post a short update how your planning estimates stacked up against your actual experience now that you have the benefit of hindsight.

Best regards,
by Bruce
Fri Apr 01, 2016 7:23 pm
Forum: Personal Consumer Issues
Topic: Driving from San Jose, Costa Rica to Guanacaste, Costa Rica
Replies: 17
Views: 3074

Re: Driving from San Jose, Costa Rica to Guanacaste, Costa Rica

If I were going to Guanacaste as my main destination I would choose to fly into the Liberia Airport instead of San Juan. There are a number of car rental facilities at or near the Liberia airport. I was quite happy NOT to be driving a rental car in Costa Rica on our visit this year, the number of on...
by Bruce
Sat Mar 26, 2016 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in timber and land
Replies: 6
Views: 881

Re: Investing in timber and land

Welcome to the Forum, There are actually quite a few posts and threads on this forum about investing in timber land, either a single parcel or a REIT. Just type "timber" into the search bar and you will find them. If you are getting other benefits you enjoy out of this land ownership, grea...
by Bruce
Sat Jan 23, 2016 12:21 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 117
Views: 13750

Re: TaxAct Plus vs TurboTax vs H&R Block for 2015

Also long time turbo tax user trying HR Block this year for the first time.

I was able to import last years Turbo tax return with no problem into the H+R Block software, but pointed it at the .tax2014 file, not the pdf version of that file.

So far the H+R Block interface is working well for me.
by Bruce
Sun Jan 10, 2016 5:56 pm
Forum: Personal Consumer Issues
Topic: Alaska in July, first time RV
Replies: 55
Views: 4304

Re: Alaska in July, first time RV

Or you can use the Alaska Marine highway as your own "cruise ship"

Many trip ideas on their website

Here is one using the ferry from Valdez back to Whittier with your RV.
http://www.dot.state.ak.us/amhs/sample/ ... _pws.shtml
by Bruce
Sat Jan 09, 2016 10:54 pm
Forum: Personal Consumer Issues
Topic: Alaska in July, first time RV
Replies: 55
Views: 4304

Re: Alaska in July, first time RV

http://www.nps.gov/dena/learn/kidsyouth ... vity-2.pdf

Your seven year old will love the sled dog kennels at Denali and can have fun doing the junior ranger activities with Mom and Dad.

The RV camping experience is great for families with kids.
by Bruce
Sat Jan 09, 2016 10:05 pm
Forum: Personal Consumer Issues
Topic: Alaska in July, first time RV
Replies: 55
Views: 4304

Re: Alaska in July, first time RV

http://www.toursaver.com/ is another great resource for activities to think about.

Summer is the best time for RV camping and all of the other activities that cater to the summer tour season.


Enjoy,
Bruce
by Bruce
Sat Jan 09, 2016 9:55 pm
Forum: Personal Consumer Issues
Topic: Alaska in July, first time RV
Replies: 55
Views: 4304

Re: Alaska in July, first time RV

Check out the trip planning info at m They are a quality company to consider renting from as well, and can answer all of the questions you ask even if you don't. If you rent, get the extra damage insurance they offer, a cracked windshield from loose gravel is a common road hazard here. Smaller size ...
by Bruce
Sat Jan 09, 2016 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Medical Resident asset class help
Replies: 5
Views: 638

Re: Medical Resident asset class help

Bill Bernstein offers advice you can take and trust, the reason he recommends 80/20 as a high end for stock allocation is there is little added benefit to go more stock heavy, you are not well compensated for the added risk over time. until you have lived through multiple down markets, the idea of S...
by Bruce
Sat Jan 02, 2016 7:44 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 667
Views: 38834

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

2098.5

And hoping to be well below the actual year end number!

Happy New Year

Bruce
by Bruce
Sat Jan 02, 2016 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: New HR Block Tax software user initial feedback report
Replies: 11
Views: 1354

Re: New HR Block Tax software user initial feedback report

thanks for all the feedback, just noticed this software is a "deal of the day" at Amazon on Jan 2 2016 and appears to be the lowest price I have seen for the product.

Regards,
Bruce
by Bruce
Wed Dec 30, 2015 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: New HR Block Tax software user initial feedback report
Replies: 11
Views: 1354

New HR Block Tax software user initial feedback report

Just got my 2015 HR Block Deluxe tax software in the mail from Amazon, trying this product for the very first time since Vanguard dropped the Turbotax freebie, after well over 20 years of using Turbotax. So far my experience using this new HR Block software is just fine, software loaded quickly, and...
by Bruce
Thu Dec 24, 2015 2:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You
Replies: 60
Views: 6739

Re: My Christmas Gift to You

Thanks Taylor, For the message, your service and your willingness to share your knowledge and wisdom. This fall I had the amazing opportunity to pay a visit to Bastogne with my son and brothers. The heroism and sacrifice of the 101st Airborne is still honored and remembered with great respect in Bel...
by Bruce
Wed Dec 23, 2015 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 327
Views: 52314

Re: Vanguard TurboTax - Not Available 2015?

Tried the Fidelity link, but with my un-exalted account size the offer is just $20 off, which makes the price of Turbotax deluxe without State at $25. Turns out that is the same price HR Block Deluxe is on Amazon now for 2015 Federal only, so went ahead and ordered the HR Block. Both brands include ...
by Bruce
Sun Dec 06, 2015 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 327
Views: 52314

Re: Vanguard TurboTax - Not Available 2015?

No need to import data, just makes it a lot faster to complete a return.

You can always type in your own data.

Regards,
by Bruce
Fri Nov 20, 2015 5:04 pm
Forum: Personal Consumer Issues
Topic: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes
Replies: 23
Views: 4295

Re: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes

Just wanted to thank all of the Bogleheads for the helpful info and advice. Taylor, you should know while in Bastogne (now a thriving market town) it was evident a lot of Europe is truly proud of the (and your) accomplishments of the 101st Airborne. We met a great group of British men who admire the...
by Bruce
Fri Nov 20, 2015 4:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Partnering with Yodlee
Replies: 153
Views: 27679

Re: Vanguard Partnering with Yodlee

This user experience so far, quite unimpressed with Yodlee. Outside account simply stopped display yesterday, with instruction to reenter them using the outside accounts feature (and the Yodlee add on.) Using an IMAC have not been able to load outside accounts with either safari or firefox, the tech...
by Bruce
Fri Aug 28, 2015 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement with a pension
Replies: 38
Views: 5413

Re: Early retirement with a pension

Lt. Metz There is a downside to every job, only you can decide your best opportunity. Slightly different take on this problem, (and it really is a good problem to have that you are dealing with). What is the opportunity cost you are giving up by not taking the pension you could get today and do some...
by Bruce
Fri Jun 19, 2015 9:04 pm
Forum: Personal Consumer Issues
Topic: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes
Replies: 23
Views: 4295

Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes

Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes 4 brothers from the US meeting together this fall in London, to retrace Allied Forces WW2 history in France, Belgium and ?? Looking for advice from the wisdom of the Bogleheads. We have a car and 7 days total and at this ...
by Bruce
Wed Mar 11, 2015 6:56 pm
Forum: Personal Consumer Issues
Topic: College Financial Planning
Replies: 6
Views: 1014

Re: College Financial Planning

This is one source of information on the topic I consider useful and credible,
http://www.thecollegesolution.com/category/blog-2/money/college-savings-plans/

regards,
by Bruce
Tue Mar 10, 2015 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Option Question- SORRY LONG AND DETAILED
Replies: 9
Views: 2200

Re: Retirement Option Question- SORRY LONG AND DETAILED

Hex, I have no experience or info on your Colorado plan. But if your goal is to retire at 55 your savings and investing plan are going to be key, not just your proposed pension. Ideally your pension will just be a minority part of your total retirement savings and income. Keep on track with your sav...
by Bruce
Sun Mar 08, 2015 7:45 am
Forum: Personal Finance (Not Investing)
Topic: question about pensions for people with TSP
Replies: 11
Views: 1677

Re: question about pensions for people with TSP

pension (1% for every year of service, 1.1% if she waits until age 62 to retire) One additional consideration, for basic FERS the qualifier for 1.1% pension multiplier instead of 1% is not just age 62, but also 20 years of federal service. Age 62 is also the starting age for cost of living adjustme...
by Bruce
Thu Mar 05, 2015 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Good Expensive Dental Plans
Replies: 12
Views: 1462

Re: Good Expensive Dental Plans

https://www.metlife.com/brokers/benefit ... l-hmo.html

You are likely correct, the info from the website talked about California and managed dental plans, but it may well be only an option for employee group coverage.

No direct experience as an individual buyer.
by Bruce
Thu Mar 05, 2015 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Good Expensive Dental Plans
Replies: 12
Views: 1462

Re: Good Expensive Dental Plans

Don't know about California and implants, but have you looked at MetLife Dental as an option?

For what they do cover, they seem to process claims quickly and pay providers faster then many.